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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $5,608 | $29,736-81.1% | $56,033-90.0% | $80,935-93.1% |
| Participation rate | 87.2% | 41.7%+45.5pp | 52.5%+34.7pp | 67.7%+19.5pp |
| Annual return | 13.01% | 35.28%-22.3pp | 1711.38%-1698.4pp | 35.66%-22.7pp |
| Employer contribution / active EE | $1,017 | $671+51.5% | $1,041-2.3% | $2,757-63.1% |
| Participant deferral / active EE | $1,163 | $1,228-5.3% | $1,954-40.5% | $4,299-72.9% |
| Admin fee / account holder | $1,274 | $2,434-47.7% | $2,827-55.0% | $6,924-81.6% |